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Retirement plan

DOW EMPLOYEES' PENSION PLAN

THE DOW CHEMICAL COMPANYEIN 38-1285128Plan #001PY 2015
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2030 DOW CENTER - MIDLAND, MI 48674989-638-9157
Other plans on this EIN
1 filing
#002Retirement-$9.67B assets
Prospect flagsHigh retiree %

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
BRYAN JENDRETZKE
Signed 10/14/2016
(989) 638-9157
Plan administrator signer
MARIE CURRERI
Signed 10/17/2016
Plan administrator entity
NORTH AMERICA RETIREMENT PROGRAMS LEADER
EIN 381285128
DOW NORTH AMERICA BENEFITS, EMPLOYEE DEVELOPMENT CENTER · MIDLAND, MI 48674
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Summary metrics

Total assets (EOY)
$10711.3M
-11.6% from 2016
Total participants
53,099
-13.3% from 2016
Average account balance
$0
No prior year
Annual return
15.97%
-3.03 pp from 2016

Benchmarks

See 209 peers
Peer group
Industryany (size+type match)
Plan typeDefined benefit
Participants>=10,000
Cohort209 peers
Snapshot2015
Participant deferral / active EE
$0
median $28
Employer contribution / active EE
$16,692
median $5,273
Participation rate
0.0%
median 0.0%
Avg account balance
$0
median $47,522
Admin fee / account holder
$0
median $275
Annual return
15.97%
median -0.88%
Overall peer rank
84th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$10.93B
Average account balance
Total assets / participants with a balance (line 6g)
$342K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
25,541
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$455.00M
Contributions per participant
Average employer and participant contribution per enrolled participant
$32K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+0.56%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 10 of 16 by compensation
ProviderService typeCompensation
WILLIS TOWERS WATSON1+ years
Service code 11 · EIN 53-0181291
Actuarial
$3,930,513
NORTHERN TRUST COMPANY1+ years
Service code 21 · EIN 36-1561860
Bank Trustee
$2,216,292
COVINGTON & BURLING LLP1+ years
Service code 29 · EIN 53-0188411
Legal
$436,972
JENNER & BLOCK LLP1+ years
Service code 29 · EIN 36-2192554
Legal
$381,426
CALYPSO TECHNOLOGY, INC1+ years
Service code 16 · EIN 94-3277822
Consulting
$336,260
T. ROWE PRICE ASSOCIATES, INC.1+ years
Service code 28 · EIN 55-0556948
Investment Management
$243,690
PAUL HASTINGS LLP1+ years
Service code 29 · EIN 95-2209675
Legal
$191,455
GOLDMAN SACHS ASSETS MANAGEMENT, LP1+ years
Service code 28 · EIN 13-3575636
Investment Management
$105,417
BLOOMBERG FINANCE L.P.1+ years
Service code 50 · EIN 13-3417984
Direct Payment
$88,120
PLANTE & MORAN PLLC1+ years
Service code 10 · EIN 38-1357951
Accounting
$59,525

Enrolled actuary

1 attachment
SB

ANDREA L. FLESER

TOWERS WATSON DELAWARE INC.
Enrollment #1406842
26555 EVERGREEN RD., SUITE 1600
SOUTHFIELD, MI 48076
(248) 936-7700
Signed 2016-10-04

Top hat statement on fileNQDC

Filed July 10, 2007 (most recent of 7 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes1C1E1A3F3H1B
Plan features
  • 1A
    Benefits are primarily pay related
    Benefits under the plan are primarily determined with reference to a participant's pay (e.g. final-average-pay formula).
  • 1B
    Benefits are primarily flat dollar
    Benefits are primarily a flat dollar amount (including a dollar amount per year of service).
  • 1C
    Cash balance or similar plan
    A cash balance formula in a defined benefit plan that expresses the accrued benefit in terms more common to a defined contribution plan such as a hypothetical account balance or single sum amount (includes personal account plan pension equity plan life cycle plan and cash account plan).
  • 1E
    Section 401(h) arrangement
    Plan contains separate accounts under Code section 401(h) to provide employee health benefits.
  • 3F
    Leased employees
    Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped
  • InformationalHigh retiree %

    Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

Expense breakdown

Schedule H Part II
Admin total
$34.5M
$1900 / participant
  • Investment mgmt$273K0.8%
  • Other / not subdivided$34M99.2%
% of EOY assets
0.323%
all-in expense ratio
Categories reported
1 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm
PLANTE & MORAN, PLLC
Auditor EIN
381357951
Audit fees
(not subdivided)
Opinion code
Disclaimer